Life Insurance Riders: Accelerated Death Benefit Explained

physician reviewing accelerated death benefit rider

All experts and beneficiaries aggress that life insurance is a crucial investment for anyone. It provides financial security to your family upon your demise. But do you know your life insurance can come through for you even when you are still alive with the accelerated death benefit rider? An accelerated death benefit (ADB) is a living benefit, … Read more

Disability Insurance Riders: Residual, Partial & CAT

doctor-looking-disability-riders

Disability insurance is one of the most important investments many people make. It aids in providing financial protection to you should you become unable to work. Just like purchasing life insurance, the investment in disability coverage aims to cover those “what if” situations. Disability insurance riders are a way to customize your policy to ensure it matches your unique needs. There are various ways to do this, including with residual disability and partial disability. Here’s what you need to know.

Physicians Thrive can help you find the best insurance for you and your loved ones. We can help you pick the best disability insurance riders such as partial or residual, guide you through the application process, and answer any questions you have along the way.

Here is a quick review of disability insurance and a deeper dive into some of the riders.

Read more

Genworth Life Insurance Review: Pros, Cons, and Special Offerings

genworth life insurance

Life is full of uncertainties, and nobody knows what the future holds. But for physicians, the need for life insurance is exceptionally pressing. As a physician, you have dedicated your life to caring for others, but who will take care of your loved ones if something happens to you? That’s where life insurance becomes paramount, … Read more

Provider Reviews: Principal Life Insurance

principal-life-insurance

Physicians whose family depend on their income need to ensure their families are taken care of even if the worst happens. A Principal Life Insurance policy can provide death benefits for loved ones should a physician unexpectedly pass away. Policies can be used for other purposes as well. Principal Life Insurance Company underwrites a few … Read more

Provider Review: Kansas City Life Insurance

physician life insurance agent

Kansas City Life Insurance has provided life insurance policies for countless people since 1895. It’s located in Kansas City, Missouri and offers term, whole life, universal life insurance, and annuity financial products. The company was founded by Major William Warner, J.H. North, and S. E. Rumble with the goal of providing “the heart of America” … Read more

Provider Reviews: Symetra Life Insurance

family couple consultations with a lawyer or insurance agent.

Symetra Life Insurance Company is a well-established insurance provider based in Bellevue, Washington, USA. The company offers a range of life insurance and retirement products, including term life, indexed universal life, and variable universal life insurance policies. We’ll get into all of the details of their offerings, but first let’s look at a brief history … Read more

Understanding Ancillary Insurance Benefits for Physicians

physician-calculating-ancillary-insurance

Physicians generally command substantial salaries, but the paycheck itself is only one component of a physician’s total compensation. Benefits such as retirement accounts/contributions, education reimbursement/repayment, professional development reimbursement, paid time off, and insurance coverages account for a substantial portion of a physician’s compensation. Of these benefits, physicians are sometimes most unfamiliar with the ancillary health … Read more